Did you know that you could have credit scores in the low 600s even if you never missed a bill payment in your life? That's because your payment history is only 35% of your credit score. How to Boost Your Credit Score 100+ Points in 30 Days Without Credit Repair will show credit industry secrets for maximizing the other 65%. The best part is you will see real results in just 30 days.

Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle in rates and fees for any loans or credit you do get. There is a lot of confusion as to how your credit score changes and what the factors are. Don't be left in the dark as to why your credit is low.

In school, you’re taught about the causes of World War I, the intricacies of The Great Gatsby, and how to compute the area of a circle. Yet, practical everyday life skills that you’ll need for the future–such as how to handle money–are rarely discussed.

Are you looking to learn more about the world of credit? Not sure where to begin? Then, this is the perfect audiobook for you! Lush Credit Secrets has been uniquely designed to provide you with everything you need to know - and more - about credit secrets. From knowing how to obtain funding, to building a business from scratch, this audiobook is bursting with helpful content. It will take your credit understanding to the next level!

Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her 10-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life.

That statistic above—10 percent of the population owns almost 70 percent of the wealth in America—it’s not just some made-up number copied off some random site.

Can you honestly say that you are a financially responsible person? Do you always pay your bills on time? How many credit cards do you possess? How often do you max out your credit cards? What is your debt to income ratio? Do you even know which factors affect your credit score? There’s no need to feel ashamed about a negative answer. Many people are in the same boat as you and they have whatsoever no idea how their financial health is determined. Improving your credit score doesn’t mean forgetting about fun in life, taking on two new jobs and saving every single cent.

The Credit Game: Plays We Were Never Taught is meant to be an educational and motivational guide to managing your finances in terms of credit score. You will learn how your credit score can have a major impact on your life in so many different ways. If you feel like you are hopeless, struggling to manage your credit score, or simply don’t understand the concept, this audiobook is for you.

This audiobook summarizes some strategies and techniques to help get your credit on the right track. It also provides basic understanding as to the different factors that affect your credit. These items are presented in a way to help you put yourself in the shoes of a lender, so you can see how they would view your credit. These are simple, easy steps that you can take to help improve your credit.

Are you a first-time home buyer looking to purchase your dream home soon? Would you like to know how to get the best mortgage and terms? Buying your first home will be one of the most important and critical decisions of your life. Your hard-earned money can be stretched immensely if you get a great deal on your first mortgage. This audiobook was created to help you source and select a mortgage option that is best for you and your family’s financial future even though you are a first-time home buyer.

No doubt, a low credit score could mess with your life and block your chances to greater privileges. It could immerse you in tons of debts and cutthroat interest rates that would not only frustrate you but also leave you grounded. As if that’s not enough, a bad credit score could stop you from securing the job of your dreams. The harms are endless, but there is only one way out, and that is to boost your credit score to at least 720. This is exactly what this audiobook helps you achieve within a short period of time.

Do you realize your credit score? You should. A credit score can decide your qualification for the nuts and bolts of life. Your credit rating influences your capacity to buy a home, land a decent financing cost on advances, and even find a new line of work. It speaks to the danger of non-installment that you present to a moneylender.

People are getting more and more dependent on credit cards. Some use them to afford the lifestyle of their dreams, while others need them to make ends meet. In fact, 15 percent of US households reported spending more than they received in income, and nearly one in five Americans say that they depend on credit cards to cover basic living expenses. It’s no wonder that you’re probably worried about your credit score.

Debt is an issue that thousands of people struggle with each year. Large bills like mortgage payments, medical bills, and student loans can be a significant drain on your wallet, but an even larger problem is credit card debt. Since credit cards have such high interest rates on average, overspending and continually missing payments will quickly multiply even small bills into nearly insurmountable ones.

Do you have excessive debts with no idea how you will pay them off? Are you being pursued by your creditors, receiving aggressive phone calls from debt collectors, and letters threatening court action? Fifteen percent of Americans said that they had been pursued by a debt collector, according to a report by the Consumer Financial Protection bureau in 2017.

Like it or not, a healthy credit score is essential if you want to participate in today's financial world. But very few people actually understand how their credit score is determined. Worse yet, most don't know how their score is used by all kinds of companies and banks to dictate financial terms that will strongly affect their daily lives. When consumers interact with the world of credit, they do so from a position of weakness. In Your Score, Anthony Davenport aims to change that. Finally, there's a road map for navigating the confusing world of consumer credit.

Tiffany Aliche was a successful pre-school teacher with a healthy nest egg when a recession and advice from a shady advisor put her out of a job and into a huge financial hole. As she began to chart the path to her own financial rescue, the outline of her 10-step formula for attaining both financial security and peace of mind began to take shape. These principles have now helped more than one million women worldwide save and pay off millions in debt, and begin planning for a richer life.

The Landlord Entrepreneur shifts the focus from dealing exclusively with residential real estate to building a dynamic property management business. By following the step-by-step instructions in this new guide, anyone can create a fully functioning, professional property management company in only 10 days. With Chavis's modern take on real estate, you will learn the five phases of property management and the skills needed to successfully move through them - as well as the hacks and tricks to build your profitable business from the ground up.

TV analysts and money managers would have you believe your finances are enormously complicated, and if you don't follow their guidance, you'll end up in the poorhouse. They're wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the best-selling Pound Foolish, he made an off­hand suggestion: Everything you need to know about managing your money could fit on an index card.

Even though half of all Americans put money aside for retirement, it isn't until they reach their 60s that many realize that they haven't saved enough. With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401(k) program to enrolling in Medicare to discussing housing options with your family.

For David Goggins, childhood was a nightmare--poverty, prejudice, and physical abuse colored his days and haunted his nights. But through self-discipline, mental toughness, and hard work, Goggins transformed himself from a depressed, overweight young man with no future into a US Armed Forces icon and one of the world's top endurance athletes. The only man in history to complete elite training as a Navy SEAL, Army Ranger, and Air Force tactical air controller, he went on to set records in numerous endurance events.

The 13 chapters of The Art of War, each devoted to one aspect of warfare, were compiled by the high-ranking Chinese military general, strategist, and philosopher Sun-Tzu. In spite of its battlefield specificity, The Art of War has found new life in the modern age, with leaders in fields as wide and far-reaching as world politics, human psychology, and corporate strategy finding valuable insight in its timeworn words.

The world’s leading high-performance coach and multiple New York Times best-selling author Brendon Burchard delivers the six habits of personal growth that will help you create the life of your dreams. Forged from Brendon Burchard’s personal experiences, data from his GrowthDay app, and his many years as a high-performance coach, The 6 Habits of Growth presents the tools you need to construct the life of your dreams.

By cutting out the noise and providing a clear and proven plan, this road map helps even brand-new entrepreneurs make decisions quickly, get their product up for sale, and launch it to a crowd that is ready and waiting to buy. This one-year plan will guide you through the three stages to your first $1 million: the Grind (months 0-4), the Growth (months 5-8), and the Gold (months 9-12). If your goal is to be a full-time entrepreneur, get ready for one chaotic, stressful, and rewarding year. If you have the guts to complete it, you will be the proud owner of a million-dollar business.

Meditation makes you more productive because it lets you earn back time. For each minute you spend meditating, you'll earn around nine minutes back, as Chris Bailey - author of The Productivity Project and Hyperfocus - will show in this candid and counter-intuitive guide to the productivity benefits of meditation.

Why have history's greatest minds - from George Washington to Frederick the Great to Ralph Waldo Emerson along with today's top performers, from Super Bowl-winning football coaches to CEOs and celebrities - embraced the wisdom of the ancient Stoics? Because they realize that the most valuable wisdom is timeless and that philosophy is for living a better life, not a classroom exercise. The Daily Stoic offers a daily devotional of Stoic insights and exercises, featuring all-new translations.

A lack of quality sleep can hinder your alertness and quality of life while awake, as anyone with sleeping issues already knows. Suffering through sleepless nights does not have to be your reality. Instead you can fall asleep fast and get quality sleep tonight and every night. Hypnosis has been used for centuries to cure many ailments, including the inability to get better sleep. You can help yourself improve the quality of your life with hypnotherapy.

The ancient Toltecs believed that life, as we perceive it, is a dream. We each live in our own personal dream, and these come together to form the dream of the planet, or the world in which we live. Problems arise when our perception of the dream becomes clouded with negativity, drama, and judgment (of ourselves and others), because it's in these moments of suffering that we have forgotten that we are the architects of our own reality and we have the power to change our dream if we choose.

One day, Lori Gottlieb is a therapist who helps patients in her Los Angeles practice. The next, a crisis causes her world to come crashing down. Enter Wendell, the quirky but seasoned therapist in whose of­fice she suddenly lands. With his balding head, cardigan, and khakis, he seems to have come straight from Therapist Central Casting. Yet he will turn out to be anything but.

Words. We use them all the time, every day, mostly without giving them much thought at all. We take for granted that they’re here at our disposal whenever we need them. But if you’ve ever wished you could communicate more effectively, words are the place to start. It’s incumbent upon you to choose the best words to accomplish your goals, because how you choose to communicate influences—well, everything! The power of communication shapes our professional goals, our relationships, and our lives—so the words we choose to use carry a great deal of power.